DTAA benefit applied
TDS refund claimed
Form 15CA/15CB
48–72 hr turnaround
NRI-specific ITR-2 filing
DTAA benefit application
TDS refund on NRO interest & capital gains
Foreign income / asset declaration
TRC & Form 15CA/15CB support
Repatriation guidance
Post-filing notice support (free)
Who Is an NRI?
Your taxable income in India depends on which residency category you fall into for the financial year.
| Residency Status | Criteria (days in India) | Income Taxable in India |
|---|---|---|
| Resident & Ordinarily Resident (ROR) | In India ≥ 182 days in the FY, OR ≥ 60 days in FY + ≥ 365 days in the last 4 FYs | Global income (India + foreign) |
| Resident but Not Ordinarily Resident (RNOR) | In India ≥ 182 days but NRI in 9 of last 10 FYs, OR ≤ 729 days in India in last 7 FYs | Indian income + foreign income from Indian business/profession |
| Non-Resident Indian (NRI) | In India < 182 days in the FY (standard rule) — special 120-day rule applies if Indian income > ₹15L | Only Indian-sourced income |
What Is Taxable
Only income sourced in India is taxable for NRIs. Here's what counts — and what doesn't.
| Income Type | Taxable? | TDS Rate | ITR Form |
|---|---|---|---|
| Rental income from Indian property | ✅ Yes | Yes — 30% + cess by tenant | ITR-2 |
| Interest on NRO savings / FD accounts | ✅ Yes | Yes — 30% + cess by bank | ITR-2 |
| Interest on NRE / FCNR accounts | ❌ Exempt | No TDS | N/A |
| Dividends from Indian companies | ✅ Yes | Yes — 20% (or lower under DTAA) | ITR-2 |
| STCG from equity / equity MF (STT paid) | ✅ Yes — 20% | Yes — 15% by broker | ITR-2 |
| LTCG from equity / equity MF (STT paid) | ✅ Yes — 12.5% above ₹1.25L | Yes — 10% by broker | ITR-2 |
| Capital gains from property sale | ✅ Yes | Yes — 20% LTCG / 30% STCG by buyer | ITR-2 |
| Salary for services rendered in India | ✅ Yes | Yes — by employer at slab rate | ITR-1 / ITR-2 |
| Foreign salary / overseas income | ❌ Not taxable in India (for NRI) | No | N/A |
Double Tax Relief
India has Double Tax Avoidance Agreements (DTAA) with 90+ countries. Our CA ensures you get the reduced TDS rates you're entitled to.
Instead of paying 30% TDS on NRO interest, DTAA reduces it to 10–15% depending on your country. Your CA claims this at source.
Tax paid in India on Indian income is offset against your foreign country's tax liability — you don't pay twice on the same income.
We guide you through getting a Tax Residency Certificate and filing Form 10F — the two documents needed to activate DTAA benefits.
| Country of Residence | Key DTAA Benefit | Documents Needed |
|---|---|---|
| USA | Reduced TDS on dividends (15%), interest (15%), royalties (15%) | Form 10F + TRC |
| UK | Reduced TDS on dividends (15%), interest (15%) | Form 10F + TRC |
| UAE | No tax on salary income earned in UAE; reduced rates on dividends | Form 10F + TRC |
| Canada | Reduced TDS on dividends (25%), interest (15%) | Form 10F + TRC |
| Australia | Reduced TDS on dividends (15%), interest (15%) | Form 10F + TRC |
| Singapore | Reduced TDS on dividends (15%), interest (10%) | Form 10F + TRC |
| Germany | Reduced TDS on dividends (10%), interest (10%) | Form 10F + TRC |
Our Process
Fully online — no need to visit India or a CA office.
Fill a short form about your Indian income — rental, interest, capital gains, property sale. Takes under 5 minutes.
A CA experienced in NRI taxation is assigned to your case. They will share a personalised document checklist.
Upload your TRC, Form 26AS, bank statements, and other documents via our encrypted portal. Your CA reviews them.
Your CA applies the correct DTAA rates, claims TDS credits, and ensures every eligible deduction is claimed to minimise tax.
We share the tax computation sheet for your approval before filing — no surprises.
Your CA files ITR-2, completes e-verification, and shares the ITR-V. Refunds for excess TDS typically arrive within 30–60 days.
What You Need
Gather these before you start — our CA will send a specific checklist after you book.
Passport copy (all pages with travel history)
Visa / work permit / residency permit from country of residence
Tax Residency Certificate (TRC) — for DTAA benefit
Form 10F (self-declaration for DTAA claim)
PAN card & Aadhaar (if linked)
Form 26AS / AIS from the Income Tax portal
NRO bank statements (all transactions)
Property rental agreement and rent receipts
Equity / MF capital gain statement from broker / CAMS / KFintech
Property sale deed (if property sold during the year)
Insurance premium receipts (Section 80D)
Home loan interest certificate for Indian property (Section 24)
Donation receipts (Section 80G)
NPS / PPF / ELSS investment proofs (available under old regime only)
Form 15CA / 15CB (CA-certified — required for repatriation of funds)
Buyer's TDS certificate (Form 16B) for property sales
FEMA declarations for fund transfer
Why Choose Us
Our CAs have handled NRI returns across USA, UAE, UK, Canada, Australia, Singapore, and Germany — familiar with every major DTAA.
Work across time zones. Share documents and communicate via our portal at your convenience — no need to schedule calls during Indian business hours.
Banks and buyers deduct TDS at the highest rates. We compute your exact liability, apply DTAA, and ensure you recover every rupee of excess TDS.
Repatriating funds from India requires CA certification. We handle Form 15CB and help you submit Form 15CA on the income tax portal.
NRI returns are more scrutiny-prone due to DTAA claims and foreign asset schedules. Our CAs cross-verify every entry with Form 26AS and AIS.
No need to travel to India or visit a CA office. Everything — document upload, communication, approval, e-verification — is done digitally.
Our CAs apply your DTAA benefits, reclaim excess TDS, and file your ITR-2 — entirely online, in 48–72 hours.
FAQs
Yes, if your Indian-sourced income (rent, interest, capital gains, salary for India-based work) exceeds ₹2.5 lakh (old regime) or ₹3 lakh (new regime) before deductions. Even below this threshold, filing is recommended to claim TDS refunds — banks and property buyers often deduct TDS at 30%, which can be much higher than your actual tax liability.
ITR-2 is the standard form for NRIs with rental income, capital gains (equity, property, MF), or interest income. ITR-1 can only be used if income is solely salary from an Indian employer and total income is below ₹50 lakh — it is not available for NRIs with capital gains. ITR-3 applies if you have Indian business or professional income.
Same as for residents: July 31 of the assessment year for non-audit cases (July 31, 2026 for FY 2025-26). If you have an Indian business requiring audit, the deadline is October 31. A belated return can be filed until December 31 with a late fee of ₹5,000 (₹1,000 if income ≤ ₹5L).
To claim Double Tax Avoidance Agreement (DTAA) benefits — such as reduced TDS rates on interest, dividends, or royalties — you need a Tax Residency Certificate (TRC) from your country of residence and a self-declaration in Form 10F. Your CA submits these to the Indian payer. DTAA rates vary by country, so always verify the specific treaty.
No. Interest earned on NRE (Non-Resident External) savings and fixed deposit accounts is fully exempt from Indian income tax under Section 10(4). This exemption applies as long as you maintain NRI status. Interest on NRO (Non-Resident Ordinary) accounts is fully taxable at 30% + cess with TDS deducted by the bank.
Yes. NRIs often have TDS deducted at higher rates (30% on NRO interest, 20% on LTCG, 15% on STCG) than their actual tax liability. After computing the correct tax in the ITR and applying DTAA benefits and deductions, the excess TDS can be claimed as a refund. Refunds are credited to the Indian bank account linked to the PAN.
Failure to file when required attracts a late fee under Section 234F (₹5,000 or ₹1,000 for income ≤ ₹5L), interest on unpaid tax under Section 234A (1% per month), and possible scrutiny notice. If TDS was deducted in excess, not filing means you cannot claim the refund. The Income Tax Department can also issue a notice under Section 142(1) requiring you to file.
Yes, subject to FEMA rules. You can repatriate up to USD 1 million per financial year from NRO account out of sale proceeds of immovable property. The buyer must deduct TDS (20% LTCG or 30% STCG + surcharge + cess). You need Form 15CA (self-declaration) and Form 15CB (CA certificate) for repatriation. We assist with both.
Form 15CA is an online declaration submitted by the remitter (you) on the income tax portal when repatriating funds abroad. Form 15CB is a certificate from a Chartered Accountant confirming the tax has been properly paid or that the remittance is not taxable. Both are required for most fund transfers from India to abroad above ₹5 lakh per transaction.
No. As an NRI, only your Indian-sourced income is taxable in India. Foreign salary, foreign business income, and income from foreign assets are not to be reported in Indian ITR. However, if you are RNOR (Resident but Not Ordinarily Resident), income from a business or profession set up in India is taxable even if received abroad.